A woman has admitted taking a loan out in the name of her elderly mother.

Michelle Hughes, 51, of Woodfield Avenue in Flint, changed her plea at Mold Crown Court today and admitted that, between February and March 2015, she made false representation to Sainsbury’s Bank plc, that her mother Muriel Hughes wished to take out a £10,000 personal loan.

She will be sentenced next month.

Hughes had been due to go on trial along with two others – her daughter and her daughter’s partner.

But the case against the other two was dropped.

Michelle Hughes and Steven Paul Colecliffe, 39, of Maes y Dre Avenue in Flint, had been charged with conspiring to commit fraud by false representation amid allegations that, between November 2013 and March 2014, they made false representation to Northern Finance that Muriel Hughes wanted to take a mortgage out on her property.

Michelle Hughes (Image: Andrew Price/View Finder Pictures)

Emma Hughes, 30, also of Maes y Dre Avenue, had been charged with money laundering and converting criminal property in February and March 2015.

The prosecution offered no evidence against all three on those charges and they were formally found not guilty.

Prosecuting barrister Sion ap Mihangel said the complainant was 74 and was wheelchair-bound.

She and her son had attended court so that she could give evidence at the trial, but discussions had taken place about whether the case could progress without the need for a trial.

Mr ap Mihangel said he was pleased to say they had been successful.

The complainant had been consulted about what was intended, the court heard.

Henry Hills, for Michelle Hughes, said his client had a number of medical problems and in addition to a pre-sentence report, a report from her GP would be produced for the sentencing hearing.

Judge Rhys Rowlands rebailed her until next month and said her guilty plea to the one charge of fraud would be reflected in sentence.

He asked for an up-to-date victim impact statement from the complainant.